Disputing question???

[invest1choice]

Okay I am getting such mixed signals here.. please help
I was under the impression You are to dispute all negative accts all at once? I have been disputing this way so far with experian . Nothing back yet but I did everyone of them as not mine.. even BK..Is this incorrect? I spoke to a credit rebuilder and they say I can pay them 800 dollors and what they do is send credit bureaus disputing letters as not mine and that is how they get it off.. But I am really not wanting to pay this if I can do it myself obviously .. So Should I do one at a time or all negative at once? I was told this could be a red flag.. which could result in what exactly????

[bkfiler]

no dont pay them money. you can do whatever they could do.

if you dispute everythign as not yours you can get sued for fraud by the credit reporting agency. you dont want to mass mail that stuff.

also, when you are saying its not yours, say its not your cuz of this that or the other thing. like balance amount, or date or soemthing. dont say the whole account isnt yours - unless it isnt.

you have to point to something wrong with the data. that way you wont get in trouble.

besides, you cant just wipe bad data off that easy. most times never. its just a try. after that make sure they report it correctly and move on.

[tinroofrusted]

no dont pay them money. you can do whatever they could do.

if you dispute everythign as not yours you can get sued for fraud by the credit reporting agency. you dont want to mass mail that stuff.

also, when you are saying its not yours, say its not your cuz of this that or the other thing. like balance amount, or date or soemthing. dont say the whole account isnt yours - unless it isnt.

you have to point to something wrong with the data. that way you wont get in trouble.

besides, you cant just wipe bad data off that easy. most times never. its just a try. after that make sure they report it correctly and move on.

No you can't get sued for fraud. Besides the fact, the credit bureaus commit it every single day.

If they can't verify an account as being yours, then they have to remove it... that's what the law says.

If you dispute it first as "not mine," I see nothing wrong with it. Especially if it isn't yet being reported properly. From there after it is verified to dispute it to get it correct is a great idea.

[bkfiler]

the poster stated: "I was under the impression You are to dispute all negative accts all at once?"

i read at creditboard (where they are credit junkies) that you can be sued by the credit agency for fraud for doing this so overtly and that they were starting to do so to send a message. makes sense to me, it is fraud to state that the accounts are not yours. will it happen to one of us? i doubt it. but wanted to make people aware. they recommended only doing it if it wasnt your account, of course, or do 1 at a time if you had to do it. not every single account that is negative which takes up their resourses since everyone is starting to do it.

nonetheless, you should never dispute anything simply as 'not mine' without pointing to a specific item in the record that is incorrect such as 'i do not have an account with this balance' or 'this late payment date' etc. anything at all will work.

if you just say 'not mine' you will not get results that way as most come back and say yep its yours, cuz it is yours and there is no additional researchign they have to do. its harder for them to figure out the specfic data that is a problem and correct it so you have a chance of getting it removed.

also, you run the risk of once verified after saying just 'not mine' of them not doing more work the next time. its a game they play and we know it. we have to play it too. play it smarter and point to invalid data instead.

[tinroofrusted]

the poster stated: "I was under the impression You are to dispute all negative accts all at once?"

i read at creditboard (where they are credit junkies) that you can be sued by the credit agency for fraud for doing this so overtly and that they were starting to do so to send a message. makes sense to me, it is fraud to state that the accounts are not yours. will it happen to one of us? i doubt it. but wanted to make people aware. they recommended only doing it if it wasnt your account, of course, or do 1 at a time if you had to do it. not every single account that is negative which takes up their resourses since everyone is starting to do it.

nonetheless, you should never dispute anything simply as 'not mine' without pointing to a specific item in the record that is incorrect such as 'i do not have an account with this balance' or 'this late payment date' etc. anything at all will work.

if you just say 'not mine' you will not get results that way as most come back and say yep its yours, cuz it is yours and there is no additional researchign they have to do. its harder for them to figure out the specfic data that is a problem and correct it so you have a chance of getting it removed.

also, you run the risk of once verified after saying just 'not mine' of them not doing more work the next time. its a game they play and we know it. we have to play it too. play it smarter and point to invalid data instead.

I am sorry, but as long as credit bureas are not held accountable for what they are required to do by law, then I say all's fair game.

There IS a technicality here that hasn't been considered. Once you are discharged from bankruptcy, then technically, that debt is NO LONGER YOURS, and you are no longer bound to it. Therefore, it is "not yours" in the simplest form possible. The date thing is the BEST way to go about it, because if they can't verify it, then it MUST be deleted.

I have yet to hear of ANYONE being sued for fraud except for the credit bureaus themselves for falsely reporting and allowing information to be posted on people's credit reports.

[bkfiler]

i have yet to hear directly from someone being sued as well.

being bk'ed doesnt break the bond you have with that account. it is still your account. and can be reported as such. you are not relieved of any less legal liability then you were before you bk'ed it in the context of which we are speaking. but that doesnt really matter.

and yes like i said, pointing to a specific data item, date, balance, anything that is wrong with it, will get your better results if at all.

also, just becuase credit bureas commit fraud and get away with it doesnt mean a little person with no resource is going to get away with it. i think that is faulty logic. i think what you mean to imply is that we should do anything we can to get ride of the bads on our record. i aggree. but do it smart. and from all the research and feedback i have read 'not mine' without any supporting words wont work nearly as well. it leads to a deletion in both cases but one method works better.